# FIDELITY BANK
SAVANNA, IL · FDIC certificate 5753 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $198.6M | |
| Deposits | $165.5M | |
| Loans and leases | $147.3M | |
| Total equity | $14.5M | |
| Loans / deposits | 88.43% (p77 of band) | 73.59% |
| Liquid assets / assets | 19.52% (p21 of band) | |
| Uninsured deposits / deposits | 23.15% (p62 of band) | 19.81% |
| Brokered deposits | 11.08% | |
| Wholesale funding | 19.75% (p95 of band) | |
| FHLB advances / assets | 8.05% | |
| Tier 1 leverage | 7.97% (p3 of band) | 11.76% |
| Unrealized securities loss / equity | -34.32% (p12 of band) | -6.57% |
| AOCI / equity | -0.45% (p47 of band) | |
| ROA (annualized) | 0.31% (p13 of band) | 1.17% |
| Net interest margin | 3.83% (p45 of band) | 3.93% |
| Efficiency ratio | 92.03% (p91 of band) | |
| Noncurrent loans | 0.78% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 82.01% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 330.37% (p100 of band) | |
| Auto loans | $151,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 1 |  | losing money |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 2 | deposits shrinking |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 | charge-offs p90 | capital falling |
| 2018-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 3 | assets shrinking | uninsured deposits leaving |
| 2018-12 | 1 | capital falling | charge-offs p90, deposits shrinking, assets shrinking |
| 2019-03 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2019-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 | noncurrent p90 | capital falling |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | NIM <2.5% | capital falling |
| 2021-06 | 1 |  | reserve under noncurrent |
| 2021-09 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-06 | 7 | noncurrent p90, reserve under noncurrent, construction >100% equity, assets shrinking |  |
| 2022-09 | 5 |  | noncurrent p90, reserve under noncurrent |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 | deposits shrinking | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 5 | wholesale funding >15%, losing money, expense ratio p90 | assets shrinking, deposits shrinking |
| 2023-09 | 8 | capital falling, AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2023-12 | 7 |  | AOCI drag >20% of equity |
| 2024-03 | 7 | brokered >10% | uninsured deposits leaving |
| 2024-06 | 7 |  |  |
| 2024-09 | 7 | reserve under noncurrent | capital falling |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 | capital falling | reserve under noncurrent |
| 2025-06 | 6 |  | losing money |
| 2025-09 | 8 | losing money, reserve under noncurrent |  |
| 2025-12 | 7 | uninsured deposits leaving | capital falling, losing money |
| 2026-03 | 7 | losing money | uninsured deposits leaving |
| 2026-06 | 6 |  | losing money |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-28 [Field Set for 2026 OVC Women's Basketball Championship Presented by United Fidelity Bank - Ohio Valley Conference](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNbFE4WTl0SlZHU2NMcnd0RFpJMWdDbU9pT0JXcGNQZXdzaTVqNF9pMkVNc1FfTU5qWTcyTGdZeUhEU2VuWkVNLVFhMTZjNVlmVFM2NTl0RGVQUDJ5SHY2dUtZS0JEbE9lWVRRMjF3OFU0T3U2cG1zdU9WSENrZjlBNnEtaGF4Nk1PeDBWNHVLTHhNX0x0ODllMXdBa2pCVmstMEhYaTFxb3AtT2Nrc2RyVGpXSXZob19VVHBBRGlMVmVaTlJSVllRWQ?oc=5) · Ohio Valley Conference
- 2022-11-10 [Small Midwest banks to combine in face of competition from bigger rivals - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeEltcVhlaC13YmRPTm9aQi1pNzhBVWdpVkc0M0pDSGRZdDdsVWRFakVpdjlUWGFyVkZzZ0ZuT0lfbUlSb0I5M0FuWTliNy1SczZPeWFIV0tpUS1kTGc1TjdTOXR4SEVtanNYZ29XejAxVmxLZmFLREtmRWJuclI4eXI1N01zMmphYnFJbXJyMGk2dzF0alplSWZWeUhVXzU4ZWJReExHQ1ozLWVJ?oc=5) · American Banker
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-14 [Fidelity Bank & Trust finalizes purchase of County Bank locations - southeastiowaunion.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPVklzUzZNaHAyNnZMMlEtc0diLXBCanpvbGVNWjZlN2ZsSk1rNkJFS2wwcXYyNkpQanlLUnJZbDlQVGxPSXhEblBsdHJoMHVGbmF3aHQ5RVVEU0dvR3NZX1JGcE1wREprb1RVQWloZklDM0JGRnZrTEVjeHhneTVGQ29oQUF4UkhTYnZ5OGxMekl1THJfUGhyMmN6YWNVQjZXVHM4ZW90RG5jVHoxa19jSVc3VEZkNFA2VUtEX0tXQjd5cnVnck9oNjFEQUpzUFlZUFRwMUd3dmlpNXEtc1hIS1BrV0VMOUlSU2tQdUVoaWI1dm53?oc=5) · southeastiowaunion.com
- 2024-06-26 [Indiana’s United Fidelity Bank hit with Fed order - Banking Dive](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZjRQclFJc184a0RtUFRDZUpfOTAxTVc0clA1V0EzbHJjd0FXdGZUREhIaVpHUV9xclpCTldOM3R5VHN0aDNmM1ZFazV2WERnZGkwN1RQNHd2czJfZDE5UzFZX0haRXNVSWhscGs1NXBFSnFneHJ3NEFCSGc3WjlGWjZXdFM1Q2dmb3o2cXZ6M0JLNUl6eHdvajZXdnE3eE5XYUdZM2szNnIxdlBSNkRDR0trMGNPZEtsclYtRV8xQXNwU08yd3Fr?oc=5) · Banking Dive
- 2022-09-23 [Evansville-based United Fidelity Bank acquires Central Illinois banks - Courier & Press](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQUUMyNjVqQ2pXZ0M2QU5UNTRXR1luT1k5N2xxaFNYd1RLdFRMbHp5X3pqMEUwN0ZoU1JFYTkxRFpTMk9hWVYxOHNuUlJjMWpKQXZCV3hFRkZJb2ZjeUhwZ05yNkE1UEVSZDBUeWN0SUUtWVR3SzdCN29uUGhxbDVxNmJjdFhJclE1c1RYekU1MFpuS1FxV0V5ZWd5bDZiampnNjJTVmpNYXZmLWdxS0tvUzZDcldkM0hucXNKNm90N0xTNWtIbDdMVFIwQ2RPb3FoY1J0N3pn?oc=5) · Courier &amp; Press
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2025-07-08 [Dan Lee named United Fidelity Bank president/CEO. Bank has 22 offices, including Destin, FWB - nwfdailynews.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNeDRMSTBEZGU2NUU4YkFyS0d1ZDJwVjNpUUU0VDNMazV2V2JxN1dTRVIzUW1Pdi1wSEtQckFZdTZqcFdnNGhWemg0Z29LSy1tRXJRZGJQNkM4ek1tdlRrTDlRZ3BJTXV0VjIzVmQtMzNxbHpnajJCOXBKVUlXYUhaaVQwck4tU2VYYXY2a1A2QThsMDJYS09zXy1UT29jM3JjcDNQeC1rZFhYN256TGNfZlcwMEhjVW02RG5MbU5SYjFzdkFxckR0Um81UmVlNmRrelRydDl6cw?oc=5) · nwfdailynews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5753 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "5753", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide